Simple & flexible trip insurance for international or domestic travel. The waiver for pre-existing medical conditions exclusion is the most important; it stops the insurance company from using your previous health history to deny a medical claim. With the waiver, you only have to prove that you were medically fit to travel on the day you bought the policy for your claim to be covered. Without it, your claim could be denied as long as there was evidence of the issue in the two to six months prior.